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The following are the few guidelines for the first time Credit Card users.
1. Credit cards usage:
Credit card usage amounts to taking an unsecured loan from the card company. Interest rates on credit cards are high (22-48% p.a.). Interest is levied on monthly basis (39% p.a. is 3.25% monthly).
2. Interest Rates:
Beyond interest-free period, monthly interest on outstanding will be charged. In addition, late payment fee and service tax (14.5%) will be levied.
3. Minimum Due:
Benefit of paying minimum amount is to protect credit score.
4. Credit Card Cash:
You can withdraw cash using a credit card but the cash withdrawal limit is usually lower than the credit card spending limit.
You can apply for an attractive offer with best possible rate of interest and terms for Personal, Business and Home Loan.